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Compare United Bank of India with Punjab & Sind Bank - Equitymaster

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UNITED BANK OF INDIA vs PUNJAB & SIND BANK - Comparison Results

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Current Valuations

    UNITED BANK OF INDIA PUNJAB & SIND BANK UNITED BANK OF INDIA/
PUNJAB & SIND BANK
 
P/E (TTM) x -0.2 -1.7 - View Chart
P/BV x 0.1 0.2 60.9% View Chart
Dividend Yield % 0.0 1.9 -  

Financials

 UNITED BANK OF INDIA   PUNJAB & SIND BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
PUNJAB & SIND BANK
Mar-15
UNITED BANK OF INDIA/
PUNJAB & SIND BANK
5-Yr Chart
Click to enlarge
High Rs3284 37.8%   
Low Rs1744 38.4%   
Income per share (Unadj.) Rs118.4214.5 55.2%  
Earnings per share (Unadj.) Rs-3.43.0 -110.8%  
Cash flow per share (Unadj.) Rs-15.521.3 -72.5%  
Dividends per share (Unadj.) Rs00.60 0.0%  
Avg Dividend yield %00.9 0.0%  
Book value per share (Unadj.) Rs69.6139.8 49.8%  
Shares outstanding (eoy) m839.51400.41 209.7%   
Bonus/Rights/Conversions -PA-  
Avg Price / Income ratio x0.20.3 68.8%   
Avg P/E ratio x-7.221.1 -34.3%  
Avg P/CF ratio x0.93.4 26.6%  
Avg Price/Bookvalue ratio x0.30.5 76.3%  
Dividend payout %019.8 0.0%   
Avg Mkt Cap Rs m20,35825,566 79.6%   
No. of employees `00015.09.2 163.2%   
Total wages & salary Rs m10,9748,743 125.5%   
Avg. income/employee Rs Th6,632.89,355.7 70.9%   
Avg. wages/employee Rs Th732.5952.4 76.9%   
Avg. net profit/employee Rs Th-188.2132.2 -142.4%   
INCOME DATA
Interest income Rs m99,36785,886 115.7%  
Other income Rs m14,6754,288 342.3%   
Interest expense Rs m76,56169,094 110.8%   
Net interest income Rs m22,80616,792 135.8%  
Operating expense Rs m19,36313,325 145.3%   
Gross profit Rs m3,4433,467 99.3%  
Gross profit margin %3.54.0 85.8%  
Provisions/contingencies Rs m25,2286,273 402.1%   
Profit before tax Rs m-7,1101,481 -480.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-4,290268 -1,602.5%   
Profit after tax Rs m-2,8201,214 -232.4%  
Net profit margin %-2.81.4 -200.8%  
BALANCE SHEET DATA
Advances Rs m680,602638,702 106.6%   
Deposits Rs m1,164,013867,147 134.2%  
Credit/Deposit ratio x58.573.7 79.4%  
Yield on advances %9.710.0 97.6%   
Cost of deposits %6.27.7 79.9%   
Net Interest Margin %1.91.8 106.4%  
Net fixed assets Rs m12,1099,948 121.7%   
Share capital Rs m8,3954,004 209.7%   
Free reserves Rs m17,69031,061 57.0%   
Net worth Rs m58,39255,962 104.3%   
Borrowings Rs m29,12530,482 95.5%   
Investments Rs m447,234267,517 167.2%   
Total assets Rs m1,294,318977,534 132.4%  
Debt/equity ratio x20.416.0 127.4%   
Return on assets %-0.20.1 -175.5%  
Return on equity %-4.82.2 -222.7%  
Capital adequacy ratio %10.511.2 93.1%  
Net NPAs %9.03.6 254.6%  
CASH FLOW
From Operations Rs m24,276-19,816 -122.5%  
From Investments Rs m-896-845 106.1%  
From Financial Activity Rs m-429-392 109.3%  
Net Cashflow Rs m22,951-21,053 -109.0%  

Share Holding

Indian Promoters % 88.0 79.6 110.6%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 5.2 10.8 48.1%  
FIIs % 0.3 1.8 16.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 6.5 7.8 83.3%  
Shareholders   78,272 150,895 51.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   SOUTH IND.BANK  J&K BANK  DENA BANK  ANDHRA BANK  INDUSIND BANK  

Compare UNITED BANK OF INDIA With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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May 25, 2018 (Close)

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